Do you have a high deductible health insurance plan?

Currently, a typical HSA account is set up at a bank where the funds sit in a money market account until they are needed to pay healthcare costs as they are incurred. Participants miss out on the compounding effects of having those funds invested. Siena believes participants should incorporate HSAs as an important part of your overall retirement plan.

 
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A TYPICAL HSA ACCOUNT IS SET UP AT A BANK WHERE THE FUNDS SIT IN A MONEY MARKET ACCOUNT

They sit in these accounts until they are needed to pay healthcare costs as they are incurred. Participants miss out on the compounding effects of having those funds invested.


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SIENA'S APPROACH: SUPPLEMENT YOUR RETIREMENT

Funds in your HSA can be invested, grown and used in your retirement for health care expenses (tax-free) or non-medical expenses.


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PARTICIPANTS INVEST CONTRIBUTIONS SIMILAR TO YOUR 401(K)

Instead of placing contributions into a money market account and subsequently paying healthcare costs each year.


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TRIPLE TAX SAVINGS

1. Contributions are TAX DEDUCTIBLE

2. Earnings and interest grow TAX FREE

3. Withdrawals for eligible medical are TAX FREE


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THE SIENA ADVANTAGE

No minimum balance required. 5 Professionally Managed Portfolio that range from low to high risk. All of our funds within each portfolio are institutional, passively managed funds. We eliminate any conflicts of interest by eliminating commissions. Each portfolio is globally diversified and built based on Nobel prize winning academic research, not the hot investment of the month.

 
 
 
 

Avoid the Hidden Costs of Investing >

Do you know how much your current plan costs?

Siena Retirement Services offers a complimentary plan review.

Enter your information below and we will reach out to you with the next steps.

Your information is never shared. 

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